The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,966
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,587
−HK$631/mo
Today · 4.125%
HK$21,218
baseline
▲ 0.50% · 4.625%
HK$22,509
+HK$1,291/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$42,436/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,212
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,807
−HK$605/mo
Today · 4.125%
HK$23,412
baseline
▲ 0.50% · 4.625%
HK$24,646
+HK$1,234/mo
Deposit HK$4.38M · loan HK$4.38M · min. income ≈ HK$46,824/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$262,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,959
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,704
−HK$757/mo
Today · 4.125%
HK$25,461
baseline
▲ 0.50% · 4.625%
HK$27,010
+HK$1,549/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$50,922/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,654
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,369
−HK$725/mo
Today · 4.125%
HK$28,094
baseline
▲ 0.50% · 4.625%
HK$29,575
+HK$1,481/mo
Deposit HK$3.50M · loan HK$5.25M · min. income ≈ HK$56,188/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$262,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,952
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,821
−HK$884/mo
Today · 4.125%
HK$29,705
baseline
▲ 0.50% · 4.625%
HK$31,512
+HK$1,807/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$59,410/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,096
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,930
−HK$846/mo
Today · 4.125%
HK$32,776
baseline
▲ 0.50% · 4.625%
HK$34,504
+HK$1,728/mo
Deposit HK$2.63M · loan HK$6.13M · min. income ≈ HK$65,552/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$262,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,938
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,056
−HK$1,136/mo
Today · 4.125%
HK$38,192
baseline
▲ 0.50% · 4.625%
HK$40,516
+HK$2,324/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$76,384/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,981
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,053
−HK$1,088/mo
Today · 4.125%
HK$42,141
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,221/mo
Deposit HK$876K · loan HK$7.88M · min. income ≈ HK$84,282/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$262,676 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).